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Top 20 frugal $ense tips
Here are the 20 best tips culled from your entries in this month's Frugal $ense contest. Click on any of the links to read a tip and rate it. You may rate as many tips as you'd like, but please only once per tip. See rules.

The tip with the highest average at the end of the month earns the tipster $100!

Earlene Williams, of New York, NY, won $100, for his tip, which was rated No. 1 by Bankrate readers last month. For more information on this tip and its author, read our interview with the Frugal $ense contest winner.
 

Winning tip:

Save big when buying large appliances
"We needed a new gas stove and refrigerator. We looked at all the display models, which came in a range of prices, but we noticed that the prices were either very high to very low (the low end was what the salesman called "landlord" appliances). After almost buying the low end of the high range, which still had too many doodads, I asked if there were other models that were not on display. The salesman pulled out a large binder with many more models in the middle of the price range to choose from. For the refrigerator we chose a large model, but without ice maker, separate thermostats, exterior beverage dispenser, or fancy sliding compartments. We did get an Energy Star model, however. This fridge cost under $400. We gave it a coat of Butcher's wax to guard against rust and sent away for an extra set of crisper drawers, since the crisper drawers on our model were a thinner plastic than the expensive models. But it's large enough for our family, doesn't gobble electricity, and saved us over $1,000 when compared to a same-size fridge with accoutrements. As for the stove, we found a $400 model that did not have a clock or an electronic panel and was not self-cleaning. And while the burner grates were not as heavy duty as the expensive stoves, they were more than adequate. The only extra we bought for the stove was an oven handle, since the one on our modest stove was plastic and might need to be replaced some day. We saved at least $1,000 on the stove by buying one that was nice and sleek, but had virtually no parts that might need repair. The moral of the story is, always ask a salesman for his model book. The mid-range appliances are most likely to be found there."

Top 20 money-saving tips

AUTOS
 Shop Around for Auto Repair

MISCELLANEOUS
 Free travel size toiletries
 Websites for Coupons

HOUSE
 Property Inspection
 Free HD TV on an antenna
 The clothes still get soft and get a campfire to boot.
 Iron on characters
 Costs cutting
 Save on Cleaning Products
 DOUBLE DUTY
 
ENERGY
 Save gas, shop online with free shipping merchants
 SAVE WITH YOUR DISHWASHER
 Caulk and CFL Bulbs
 Good Deal on Furnace Yearly Cleaning
 Warm and Toasty ?
 Lower your eletricty bill
SAVINGS
 Savings on big baby items
 Free gas cards, %5 off and points!
GROCERIES
 Bakery Outlets: Saving straight from the factory
 Saving on groceries

 

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